Lyubov Rozman is a financial advisor with J.P. Morgan Securities in Hollywood, FL, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has worked with various JPMorgan Chase entities since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research supported by a centralized manager solutions team.

Maria Schnirman is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping entrepreneurs and high-net-worth individuals navigate their financial journeys. With more than two decades of experience, she focuses on developing customized financial plans grounded in clients’ values and goals, guiding them toward financial progress and wealth preservation. Maria’s expertise encompasses a broad range of areas including college education planning, legacy planning, liquidity management, retirement income, tax minimization, and strategies tailored for women and small businesses. Fluent in English and Spanish, Maria holds a bachelor’s degree in Finance and International Business from Universidad Sergio Arboleda. She holds the Personal Investment Advisor (PIA) designation and emphasizes a collaborative management style, prioritizing long-term relationships through client education, credit strategies, asset allocation, and personalized financial planning. Maria is committed to simplifying investment complexities by connecting clients with seasoned professionals and providing access to lending and banking services through Bank of America. Beyond her professional role, Maria is actively involved in community projects and is a member of the Hispanic Chamber of Commerce NY. Her personal interests include baseball, fishing, football, hiking, painting, running, skiing, soccer, tennis, and traveling.

Genevieve Arias is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and has previously worked at Merrill and Bank of America. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Araripe Souza is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. Prior to joining Wells Fargo in 2016, he worked at Citigroup Global Markets and Morgan Stanley. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Malgorzata Szyfer is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016. Outside of advisory work, she is involved in managing an online direct-to-consumer apparel business. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to guide investment decisions and provides a range of brokerage and advisory solutions.

Michael Eisenstadt is a financial advisor with J.P. Morgan Securities in Hollywood, FL, holding a Series 66 designation with five years of industry experience. His prior roles include positions at Merrill, Bank of America, Northwestern Mutual, and a lengthy tenure at Equinox. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, with recommendations supported by centralized due diligence and a combination of quantitative and qualitative research.

Rochelle Milhem is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 credentials and two years of industry experience. Her prior work includes roles at Babson College and POMP Flowers. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, focusing on advisory services without individual security recommendations in standalone plans.

Christopher Hayes is a financial advisor with Charles Schwab who holds Series 63 and Series 65 licenses and has eight years of industry experience. His prior roles include positions at Allianz Life Insurance Company of North America, Guggenheim Funds Distributors, ProShares, and PNC Bank. He is currently based in Fort Lauderdale, FL. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Justin Gromley is a CFP® and holds a Series 66 designation with 18 years of industry experience. He has worked at UBS Financial Services since 2019 and previously spent seven years at J.P. Morgan Securities. He is based in Ft. Lauderdale, FL. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets expertise.

Cornelius Lecounte is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and 18 years of industry experience. He has worked with PFS Investments Inc since 2009 and has served at the Dade County Courthouse from 2008 to 2022. Lecounte is also involved in sales of investment-related and home-related products through affiliates of PFS Investments Inc. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by third-party asset managers and supports account custody through Pershing, serving a large network of advisors and offices with approximately $15.5 billion in assets under management.

Vincent Vella is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch since 2009, concurrently serving at Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ari Tenenbaum is a financial advisor with Mass Mutual Investors Services, holding CFP® and ChFC® designations with 34 years of industry experience. He previously worked at Metlife Securities Inc. for 15 years before joining Mass Mutual in 2016. Outside of his advisory role, he is involved in mortgage loan origination through Aslan Home Lending Corporation and operates a financial group LLC. Mass Mutual Investors Services provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, utilizing firm-approved software and collaborative planning processes.

Steven Daigle is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and 3 years of industry experience. He has been with Merrill since 2007. Outside of his advisory role, he serves as a campus pastor at Calvary Chapel Fort Lauderdale and is a board member of Hope South Florida, a faith-based nonprofit organization addressing homelessness. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Mark Horncastle is a financial advisor with J.P. Morgan Securities in Ft. Lauderdale, FL, holding a Series 66 designation and 28 years of industry experience. His prior work includes roles at Credit Suisse Securities and Pershing LLC. He is employed by both J.P. Morgan Securities and J.P. Morgan Bank, allowing him to offer a range of banking products and services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

David Kuffner is a financial advisor with Morgan Stanley in Coral Springs, FL, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. His prior roles include positions at Bank of America, Merrill, Wells Fargo Clearing, and Banc of America Investment Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Welthon Perez is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and 26 years of industry experience. His prior roles include positions at Independent Financial Partners, J.P. Morgan Securities, Chase Investment Services Corp., and Wells Fargo Clearing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Gustavo Dardik is a financial advisor at Morgan Stanley in Aventura, FL, with 22 years of industry experience and a Series 66 designation. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning supported by structured discovery processes and firm‑approved planning tools.

Marc Chait is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 29 years of industry experience. He previously worked at Janney Montgomery Scott for 10 years before joining Wells Fargo Clearing in 2023. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Louis Greif is a financial advisor with Morgan Stanley in Aventura, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is a co-owner of a personal business with his sister. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets, employing a structured planning process that includes firm-approved tools and scenario modeling.

Adam Rittersporn is a CFP® and holds a Series 66 license with eight years of industry experience. He is currently with Charles Schwab in Aventura, FL, where he has worked since 2019, including prior roles at Fidelity Investments and Raymond James & Associates. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by Schwab Center for Financial Research.